Lincoln National Life Insurance Company
4.8
based on complex data
Annuity Educator Rating
Annuity review

Lincoln OptiBlend 10 (CA Only)

The Lincoln OptiBlend 10 provides a valuable safety net for retirement planning. This product offers strong growth potential, while always protecting your hard-earned initial investment. Enjoy peace of mind knowing your income is secure.

With the OptiBlend 10, you have the flexibility to adapt to unpredictable life changes. This product is quite user-friendly, even for those new to annuities. An excellent choice for Californians planning for a stable future!

Lincoln OptiBlend 10 (CA Only)-brochure Lincoln OptiBlend 10 (CA Only)-brochure

Lincoln OptiBlend 10 (CA Only)

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About Product

Type
Fixed Index
Purpose
Accumulation
Term
9 Years
Surrender schedule
9.25%
8.25%
7.25%
6.25%
5.2%
4.2%
3.15%
2.1%
1.05%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$10,000
Maximum Contribution
$2,000,000
Max Age Qualified
80
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, 1035 Exchange, Stretch IRA, and NQ Stretch
Launch Date
06/01/2015
The Lincoln OptiBlend 10 is a flexible premium fixed indexed annuity with a 10-year surrender charge period and MVA provision. The Lincoln OptiBlend 10 provides advantages such as tax deferral, long-term growth, and a death benefit payout with the added benefit of enhanced growth with no risk of loss of premium due to market fluctuations. 
Available in states: CA

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
155% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
175% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
7% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
6.25% Performance triggered
1-Year Fixed Account
Fixed
3.25% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
165% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
200% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7% Performance triggered
1-Year S&P 500 Daily Risk Control 5% ER PTP Spread
Point to Point
Annual
0.25% Spread
1-Year S&P 500 Daily Risk Control 5% ER PTP Spread
Point to Point
Annual
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger
Performance Triggered
Annual
7.75% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger
Performance Triggered
Annual
8.75% Performance triggered
1-Year S&P 500 Dual Trigger
Dual Performance Trigger (FIA)
Annual
5.5% Performance triggered
1-Year S&P 500 Dual Trigger
Dual Performance Trigger (FIA)
Annual
6.5% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6 7 8 9
Penalty 9% 8% 7% 6% 5% 4% 3% 2% 1%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

No Riders for Lincoln OptiBlend 10 (CA Only) annuity.

Waivers

Nursing Home

Allows access to contract value without surrender charge or MVA if certain conditions are met. Please see the Disclosure Statement for necessary criteria and conditions. Nursing home and terminal illness benefits are provided through riders. The nursing home waiver does not include home health care.

Terminal Illness

Allows access to contract value without surrender charge or MVA if certain conditions are met. Please see the Disclosure Statement for necessary criteria and conditions. Nursing home and terminal illness benefits are provided through riders.

Premium Notes

Initial Premium
Minimum: $10,000;
Additional premiums
Up to $25,000 each contract year (minimum $50). Additional premiums are applied to the Fixed Account and can be moved during the reallocation period. Maximum of $100,000 cumulative additional premiums. Additions are allowed any time until the maturity date.
Additional premiums are not allowed if i4LIFE® Indexed Advantage has been elected.

Withdrawal Provisions

Market Value Adjustment (MVA)If you access more than the 10% annual free withdrawal before the end of the surrender charge period, it may be subject to a surrender charge and an MVA. The MVA is a positive or negative adjustment based on the current interest rate environment at the time of the surrender. The MVA does not apply to: withdrawals after the surrender charge period, 10% annual free withdrawal, the death benefit, annuitized contracts, or contracts issued in selected states. Death benefit (prior to annuitization) Upon the death of a contractowner or annuitant, beneficiaries may receive the greater of the contract value, GMNSV or GMCSV. Free Withdrawals Each policy year you may take free partial surrenders of up to 10% of the policies accumulation value without an Market Value Adjustment (MVA) or surrender charge, but any amount in excess of 10% is subject to an Market Value Adjustment (MVA) and surrender charge. Annuitization options are:Income for a Fixed Period (for at least 5 years) Life Income (Life Only, Life with Guaranteed Period, and Life with Installment Refund)Interest Only (For at least 5 years) Income of a Fixed Amount (For at least 5 Years) 

Company Founded: 1905
Excellent Rated Company
Lincoln National Life Insurance Company
Company Ratings
4
  • A.M. Best A
  • Fitch A+
  • S&P A+
  • Moody's A2
  • Comdex 80
Assets: $101,842,579,438
Indiana

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